保险合同免责条款的法律规制

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1、毕业论文中文摘要保险合同中免责条款的法律机制摘要：伴随着经济社会的口新月异，保险逐渐成为广大人民群众规避风险方式和理财手段，它不仅预示着，我国经济基础的逐渐稳定和夯实，也证明人民储莆意识的新觉醒，同吋保险业实际在资金流动和资源配置屮起到积极作用。但由于我国保险业起步晚，并存在着发展空间过于巨大、上升速度非常理性增快以及我国相关的法律体制的建立滞后丁•现实中保险业的发展等特点，造成我国保险业不健康发展。在这个过程中，保险合同的双方当事人更是由于专业差异、知识储备的不同，从而使得免责条款在适用过程中不免引起较多争议。引发的实际情况是保险人利用免责条款误导投保人，致使双方理解不

2、相一致，并产生诉讼纠纷。而纵观我国司法实践，有关保险合同免责条款的诉讼纠纷占民事诉讼中的比例逐年上升,这虽然体现我国国民法律意识正逐渐捉升，但更说明我国相关法律应渐趋完善。木文则主要通过研究保险合同免责条款在适用中所存在的齐种问题，解读口前我国相关法律机制不足之处，并探求解决问题的方案。关键词：保险合同免责条款现实状况存在问题综合意见毕业论文外文摘要TitleLegalregulationofexemptionclauseofinsurancecontractAbstractAlongwiththeeconomicandsocialchangerapidly,theins

3、uraneeindustryhasgraduallybecomethemassestoavoidrisksandfinancialmeans,whichnotonlyindicatesthatChina'seconomicbasegraduallystableandcompacted,alsoprovethatthenewawakeningofpeople"sconsciousnessofsaving，andplayapositiveroleintheflowoffundsandtheallocationofresources,bothpartiesofinsuranee

4、regulationstheinsuredandtherightsandobligationsoftheinsurancecontract,theinsurerforthemainprotectionmechanismistheexemptionclauseintheuseoftheinsurancecontract,itisbornebytheinsurer"sriskofliabilityconstraintandevasion,fromacertainextentreducedtheinsurerthenecessaryinsuraneeliabilityandin

5、suraneerequirements,butbecauseChisinsuraneeindustrystartedlate,thedevelopmentofspaceandrisingtoofast,andthedevelopmentofrelatedlegalsystemlagsbehindthereallife,andAndtheinsurancecontractbothsidescluetoprofessionaldifferences,makesuseoftheexemptionclauseistoregulatetheelements.Triggeredbyt

6、heactualsituationismanyoftheinsurertomisleadpolicyholdersbyusingtheexemptionclausewhichmakesbothpartiesunderstandnotconsistent,disagreement,andthroughoutthejudicialpracticeofourcountry,rclatingtotheinsurancecontractexemptionclauselitigationdisputesaccountedforcivillitigationintheproportio

7、nofrisingyearbyyearshowsnotonlythenewawakeningofthenationalconsciousnessinourcountry,morereflectedintherelevantlawsinourcountryshouldbeimproved.Thispaperismainlythroughthevariousproblemsoftheexemptionclauseofinsurancecontractexistsintheapplicationandintorprctationof